Clifton Savings Bancorp Inc.

As of December 31, 2017, Clifton Savings Bancorp Inc. has 22.10M shares outstanding.

As of December 31, 2017, Clifton Savings Bancorp Inc. trades at a trailing price-to-earnings ratio of 79.66. The price-to-sales ratio is 10.68, and the price-to-book ratio stands at 3.76.

As of December 31, 2017, Clifton Savings Bancorp Inc. trades at an EV/EBITDA multiple of 74.22 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 21.90 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 80.54 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. Clifton Savings Bancorp Inc. trades at an EV/FCF ratio of 68.96, comparing the total takeover cost of the business to the cash it actually generates for all capital providers.

These figures are as of December 31, 2017.

Over the twelve months ended December 31, 2017, Clifton Savings Bancorp Inc. posted a return on equity (ROE) of 4.59, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 0.72 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 0.30, measuring how efficiently the asset base is converted into earnings.

These figures cover the twelve months ended December 31, 2017. That works out to an effective tax rate of 50.69, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items.

Over the twelve months ended December 31, 2017, Clifton Savings Bancorp Inc. posted a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of 27.19 and net profit margin of 13.41 provide insight into operational efficiency.

These figures cover the twelve months ended December 31, 2017. The dividend payout ratio of 228.23 exceeds 100%, meaning the company is distributing more than it earns and funding the dividend from cash reserves, asset sales, or borrowing, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 2.96, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -79.52, meaning Clifton Savings Bancorp Inc. raised more capital through share issuance and new debt than it returned via dividends and buybacks.

As of December 31, 2017, Clifton Savings Bancorp Inc. has an Altman Z-Score of 0.28, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.